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Audi PCP Finance Made Simple
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Using a vehicle price of £25,000 and a deposit of £2,500, the balance to finance would be £22,500, giving monthly payments of £346.31 over 48 months. The final payment based on 5k per annum would be £12,250 with a total amount payable of £31,026.57.
Capital Car Finance Limited is a credit broker and not a lender. Our rates start from 7.9% APR. The rate you are offered will depend on your individual circumstances. 8.9% APR Representative. This is an example only, lender fees may apply. By requestion a quote you agree to our Privacy Policy| Terms of Service
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Your payments could be as low as.
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This car finance quote is for illustration purposes only and does not constitute a firm & final offer. Rates are set by our lender based on your credit profile. All finance applications are subject are to approval.
We'll search for LP offers from our panel of lenders
Your payments could be as low as.
Based on your credit score
This car finance quote is for illustration purposes only and does not constitute a firm & final offer. Rates are set by our lender based on your credit profile. All finance applications are subject are to approval.
Capital Car Finance specialise in Audi PCP car finance for private and business customers. Our aim is to offer you an honest and transparent service as well as saving you time and money. Our two main car finance products are Audi PCP [Personal Contract Purchase] and Audi Lease Purchase finance schemes.
We pride ourselves on our transparent “one to one” professional approach, which is why most of our customers come back to us time and time again, please see our testimonials for additional comfort. We can provide car finance for all Audi vehicles up to 5 years old, providing they are supplied by an approved UK supplying dealer, we have deals available for both business customers or private customers.
One of the best ways to purchase a new or used car today, it allows customers to purchase a car of their choice at attractive fixed monthly finance payment, with the benefit of a low deposit outlay and a guaranteed minimum future value at the end of the agreement.
Very similar to borrowing a sum of money from a bank and paying it back over a fixed period of time, with interest. Hire Purchase is a type of secured loan which are often preferred over alternative (unsecured) loans because they allow a greater borrowing limit.
Sometimes referred to as Hire Purchase with a balloon and is structured in a similar way PCP, however unlike PCP there is no guarantee offered at the end of the agreement, customer can defer a capital lump sum amount until the end of the agreement.
PCP car finance is one of the most flexible and affordable ways to purchase your new or used Audi. It gives you the freedom to drive the Audi you really want while keeping your monthly payments fixed and manageable.
For our latest low-rate offers, simply send us the details of the Audi you’re interested in — including the registration number, mileage and vehicle price — and we’ll provide you with a firm quote based on our current market-leading rates.
If you prefer to speak with us directly, give us a call on 01270 306000 and we’ll be happy to run through the figures with you over the phone.
Capital Car Finance have access to some of the lowest rates of interest available for used Audi PCP, with rates from just 7.9% APR and this coupled with industry leading GMFV’s make Audi cars very affordable.
Audi PCP Car Finance is very useful if you drive a company car and are opting out of a company car scheme for example (Cash for Car), because you can use your company car allowance or mileage reclaims to fund your monthly PCP payments and avoid paying excessive company car taxes.
Monthly payments are fixed with PCP for the repayment period, which is normally two, three or four years and the added flexibility of PCP car finance gives you several options at the end of the agreement:
The Audi personal contract purchase plan provides the benefits of driving a higher specification Audi for lower monthly payments, unlike traditional methods of car finance, this is achieved by deferring a percentage of the total cost of the Audi to the end of the contract, which is the guaranteed minimum future value or GMFV as its more commonly known as.
This guaranteed minimum future value (GMFV) and is the key difference between PCP and traditional forms of car financing such as Hire Purchase. The GMFV plus your deposit is subtracted from the selling price of the Audi and your monthly payments are based on the balance (plus interest on the balance and the GMFV). Effectively, you will make lower payments than traditional financing simply because you are essentially only funding the depreciation.
At the beginning of the agreement, you decide on the total mileage you expect to do. If, at the end of the agreement, having chosen to hand your Audi back to the finance company, your mileage exceeds the agreed level, you simply pay a fixed amount for every extra mile.
It is in your interest to minimise your Audi’s ‘wear and tear’ and not exceed the agreed mileage. When the agreement has finished, the vehicle may well be worth more than the GMFV, providing you with extra value, In simple terms ‘normal wear and tear’ means that for its age and mileage, the Audi is in fair working order, condition and repair.
Lease Purchase is sometimes referred to as Hire Purchase with a balloon and is structured in a similar way to Personal Contract Purchase or PCP car finance.
The customer will normally benefit from a slightly lower finance rate with a VW Lease Purchase product as there is no guarantee offered at the end of the contract, the deferred lump sum amount at the end of the agreement is known as the Residual Value (RV) or balloon, and this has to be paid by the customer for outright ownership of the vehicle. Deposits for Lease Purchase are flexible, normally a minimum of 10% and a maximum of 40% of the total vehicle price, repayment periods are taken over 3 or 4 years typically.
The Residual Value (RV) (sometimes called the balloon) at the end of the agreement reduces the regular monthly payments accordingly, thus making vehicles that traditionally have a strong Residual Value (RV) like Volkswagen, more suitable for this type of product as they make repayments far more affordable.
The Residual Values (RV) is calculated and set at the beginning of the lease purchase finance agreement but is not payable until the end of the contract, there are realistically two options for an VW Lease Purchase at the end of the term, 1. Pay off the residual value in cash or settlement by part-exchange or 2. Some lenders will allow the residual value to be spread over a secondary period and refinanced again.
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Capital Car Finance provides specialist Audi PCP finance with competitive rates for super-prime customers. With 18 years of online trading experience, we help drivers secure low-rate PCP agreements on every Audi model including A1, A3, A4, A5, A6, Q2, Q3, Q5 and Q7.
A PCP agreement offers lower monthly payments, flexible options at the end of term and guaranteed future values. This is ideal for Audi drivers upgrading regularly or keeping repayment costs predictable.
We specialise in super-prime Audi finance with transparent pricing, no inflated commissions and exceptional service. As an FCA-regulated broker, we give customers access to competitive PCP rates that rival dealer finance.
Choose your Audi model, set your annual mileage and deposit, and receive tailored PCP options with a guaranteed future value. Keep, return or part-exchange your Audi at the end of the term.
We specialise in customers with excellent credit profiles looking for low-rate Audi PCP finance from trusted UK lenders.
Low monthly payments, fixed rates, upgrade flexibility, strong Audi residual values and access to super-prime lending options.
Audi models hold their value well, allowing competitive GFVs and attractive monthly repayments. PCP makes premium motoring more accessible.
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Can I get low-rate PCP on an Audi? Yes, super-prime customers get access to competitive PCP rates through our panel of lenders.
Which Audi models qualify for PCP? All models including the Audi A-Series and Q-Series qualify for tailored PCP quotes.
Is PCP cheaper than HP on Audi? PCP typically offers lower monthly payments because of the optional balloon.
